P-LOC's*
as low as 6.50% APR
Personal Loans*
as low as 8.00% APR
Auto Loans*
as low as 4.00% APR
VISA Gold*
8.00% APR
En Español

Loans & Credit Cards

Did you know?

Unlike a bank, a credit union is a non-profit financial cooperative.

Personal Loans

LESPFCU’s personal loans are available to help you meet your financial needs and goals.

LESPFCU lends money to members for a wide variety of needs, including:

  • Debt consolidation
  • Important purchases such as computers
  • Furniture or household appliances
  • Special events like birthdays, graduations or weddings
  • Travel or vacation
  • Holiday expenses
  • Back-to-school expenses

Unsecured, half-secured and fully secured loans are available. You are eligible to apply for a loan as soon as you become a member. However, if you don’t already have an established credit history, you will have to wait one month after joining the credit union to apply for a loan.

What are the terms of LESPFCUs Personal Loans?

Personal Loans are available for as little as $100, and up to $10,000. The repayment period is up to 5 years.

What are the advantages of the Personal Loan from LESPFCU?

  • Have access to money when you need it most and pay it back gradually, in affordable monthly payments
  • Save money by paying a lower interest rate than is offered on many credit cards, or by most stores and local money lenders
  • Establish or repair your credit history, making larger loans possible in the future

How can I apply for a Personal Loan?

LESPFCU members can apply for a loan by supplying the following information:

  • A completed loan application
  • Proof of income – At least one of the following (or all that apply):
    • Tax Forms
    • Pay stubs (3 most recent)
    • Proof of Public Assistance, SSI, or SSD
    • Signed, notarized letters from any household member(s) that contribute(s) income to the applicant and proof of their income
    • 2 years Tax Returns, if self employed
  • Proof of most recent rent payment or notarized letter from primary tenant stating how much member’s portion of rent is
  • Proof of address – for example: telephone bill, cable, Con Edison.
  • Reference Form

For further information or to receive a loan application, please contact our Loan Coordinator at (212) 529-8197 or at lending@lespeoples.org

All loans are subject to approval.

LESPFCU is an equal opportunity lender.